Job Details

Non-QM Specialist

Department: Sales

FSLA Status: Hourly Non-Exempt

Reports To: EVP Stan Brusoski

Location: Remote

Creation Date: 9/2024

The Non-QM Specialist will play a critical role in our organization by leveraging in-depth knowledge and expertise in Non-QM mortgages. This individual will be responsible for assisting our Sales force in correctly qualifying and structuring loans, acting as a liaison between Sales and our investors, and ensuring efficient turn times. The ideal candidate will have a comprehensive understanding of various Non-QM programs, including bank statement loans, DSCR loans, asset-based loans, foreign national and ITIN loans, and non-warrantable condos.

Who is HMA?

Established in 2005, HMA Mortgage is an Independent Mortgage Bank based out of Pittsburgh, PA, with 150+ employees. Licensed in over 24 States, we are a Nationwide Company that originates 100% referral business in the markets we serve. We are Direct to Agency, with multiple investors and a wide variety of products to best serve our markets. We are a company that highly regards culture and prioritizes our Core Values. Our Sales force and Operations department are a dynamic team who works collaboratively to create the best experience for our clients and partners.

Benefits

• Company Benefits through United Healthcare
• 401K employer contribution
• Competitive PTO package
• Opportunity to work in an amazing culture with a growing organization

• Loan qualification and Structuring: Assist the Sales team in accurately qualifying and structuring Non-QM loans, ensuring adherence to investor guidelines and maximizing loan approvals.
• Communication: Serve as the primary point of contact between the Sales team and our investors. Provide timely and accurate information to facilitate effective communication and efficient processing of loan applications.
• Knowledge: Must possess a proficient knowledge of Non-QM products, in general, and maintain that knowledge by staying in front of industry changes.
• Investor Program updates: Stay current with changes and updates in investor programs and advise the team of changes to existing programs as well as opportunities to enhance our product offering.
• Training and Education: Provide training and education to our Sales force to help them better understand how to qualify and sell Non-QM products and increase productivity.

• Adheres to the Organization's Core Values of customer-focused, integrity, excellence, accountability, and inclusion.
• Be an integral part of a forward-thinking company that values creative solutions and encourages continuous improvement.
• Complies with regulations and laws relating to the function of the position.
• Abides by current organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.
• Cooperates with, participates in, and supports the company's compliance with all regulatory requirements.
• Responds to inquiries relating to his/her area or to requests from Sales, other company personnel, etc., within given timeframes as set forth by established policy.
• This is a remote position - expectations of a productive work environment at home with sufficient internet are expected.

• Encompass experience is required.
• NMLS license is a plus.
• Underwriting experience and/or certifications are preferred.
• A minimum of 5 years of mortgage experience, with 3 years of extensive Non-QM experience, is required.
• Excellent verbal and written communication skills are required.
• Exceptional organizational skills and a fine eye for detail are required.